Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5942952
Complaint Overview
Complaint ID: 5942952
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Hawaii
ZIP Code: 96761
Date Received: 2022-09-01T12:00:00-05:00
Date Sent to Company: 2022-09-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
EQUIFAX IS STILL REPORTING INACCURATELY, UNPROVEN, UNVERIFIED AND UNTRUE LATE PAYMENTS ON MY CREDIT REPORT FOR THIS ACCOUNT : XXXX XXXX XXXX ACCT # : XXXX EQUIFAX IS INCORRECTLY REPORTING 3 LATE PAYMENTS FOR THIS ACCOUNT. XXXX IS INCORRECTLY REPORTING 2 LATE PAYMENTS FOR THIS ACCOUNT AND XXXX IS INCORRECTLY REPORTING 1 LATE PAYMENT FOR THE ABOVE-MENTIONED XXXX ACCOUNT. CLEARLY A REPORTING VIOLATION AS NOTHING MATCHES. WHAT IS EVEN MORE CONFUSING IS THAT EQUIFAX IS ALSO REPORTING THAT THE ACCOUNT STATUS IS " PAYS AS AGREED '' AND THE ACTIVITY DESIGNATOR IS REPORTING AS " PAID AND CLOSED ''. ANOTHER VIOLATION FROM EQUIFAX IS THAT THE DATE OF LAST ACTIVITY IS BEING REPORTED AS XX/XX/2022, BUT CONFUSINGLY EQUIFAX IS FALSELY REPORTING A PAYMENT HISTORY CHANGE ON XX/XX/2022. HOW IS THAT POSSIBLE? WHY IS EQUIFAX REPORTING A PAYMENT HISTORY PERCENTAGE DROP 6 MONTHS AFTER THE ACCOUNT WAS CLOSED AND 6 MONTHS AFTER THE REPORTED DATE OF LAST ACTIVITY?? EQUIFAX ALSO REPORTS " NO DATE '' OF FIRST DELINQUENCY ( SEE PROOF ATTACHED ) WHY IS EQUIFAX REPORTING ANYTHING NEGATIVE AND MISLEADING ON A " PAID AS AGREED '' CLOSED ACCOUNT? EQUIFAX IS VIOLATING MY CONSUMER RIGHTS BY INACCURATELY REPORTING ALL THIS WRONG AND MISMATCHING INFORMATION. THIS NEEDS TO STOP IMMEDIATELY!!
Frequently Asked Questions
What is Complaint #5942952 about?
Complaint #5942952 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-09-01T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.